Haha, yeah, as someone with freelance income myself, I'm definitely feeling that. I'm holding off a bit to nudge my credit up... better safe than sorr...

I ended up paying mine upfront because rolling them into the loan made me nervous about paying interest on those costs over the long haul. But honestl...

Yeah, I almost overlooked that myself. Ran the numbers recently and realized it'd take me nearly 5 years just to break even... not sure I'll even stay...